Banana Republic Visa Application Help

[texasman07]

I applied in Sunday and I got a screen with a reference # and phone number to call in 48 hours to complete my application . Called twice and the CSR stayed to wait for a letter . Is this verification ? My worry is that it won’t be a visa ! Hope it’s not a store card or declined ?

[FinStar]

Unfortunately, there's no method to gauge whether you'd get the Visa or retail card.
Assuming your profile is clean, FICO scores over 700, DTI is in check and not a lot of recent accounts, then it's likely you'd qualify for the Visa.

Potentially, if the letter is a verification request, then you can decide how to proceed. Their disclaimer basically states you'd be considered for the Visa, but if you don't meet certain UW criteria then you'd be considered for the store card. You can't choose, unfortunately.

Hopefully, the letter might reveal something positive.

[texasman07]

Thanks !!
My TU score is well over 780 and util is 4% but over 50 inq. I was able to pick up the BP Visa, Chevron Visa and Dicks Mastercard . Hoping it’s not a denial letter

[FinStar]

So, if approved, it's likely that it would be the Visa version given your other SYNCB bankcard history. Let us know the outcome.